The 5-Year Financial Plan for People Who Can’t Plan 5 Minutes Ahead
Thursday 9:14 PM: the 5-year plan — colour-coded, Year 1-5, savings targets, net worth $85k, house bought. Sticky note: “Start Monday (for real).” Thursday 9:34 PM: Deliveroo app open, plan in background, total $31.29. Monday column: unchanged. We examine why long-range plans fail people who live in the immediate, map the plan vs reality timeline, and produce the realistic framework that works for the tired version.